The Multiverse

I’ve become an insurance agent. If I had my way, things would be very different. There would be no need for insurance – neither health insurance, nor life insurance. There would be some forms of property insurance, but that wouldn’t involve money. It would involve privilege and rights. It’s a long story. But I don’t mind sharing it. Do you have a moment?

Well, if you are interested in insurance as privilege, click here. That’ll take care of that. But to get to what drives me, I’ve got to start at the beginning. The drift of it all begins with the question of what is wrong with everything.

I’m serious. What is wrong with everything?

We don’t know the small, the large, the young or the old. Could pure reason explain it better?

You might think I’m asking a rhetorical question, but I am serious. And on a metaphysical level, I’m being literal – what is wrong with everything? And …

… what is everything to begin with? The particle physicists can’t even tell you what quarks are made of. The cosmologists don’t know how big or old the Universe is. How can we delve into what is wrong with everything if we don’t know what everything is?

We might also ask why everything is. Why?

As a philosopher, I think the answer to this second question provides the key to the first. The purpose of everything is the maximization of awesomeness. This is not just a catchy phrase. It is the actual reason. If you want to follow my reasoning and see how I came up with this answer, subscribe to Season One of my Podcast. I’m 100% serious.

So that takes care of that.

If you follow those links, you’ll see that I’ve covered a lot of ground I won’t have to repeat here. Let’s start with that context. Assume for a minute I’m right. If so, then the why question leads us to other big questions. Is what concerns us on a daily basis fufilling our purpose? If we are here to maximize awesomeness, then how? If your life is just, “blah” and “getting by” then does it concern you at all that you may have been missing out on something wonderful? Why is your answer not the maximization of your awesomeness?!

What if everything was very different? Imagine, for instance, if we had always lived in an incentivized asynalogonomy, rather than in the constant tension between capitalist and socialist dystopias. (Click here if you don’t know what that means).

There are better ways to deal with economic problems than plagues and wars. Just sayin’

If only more people knew about the HAND System. (Refer to the above link if you don’t know what the HAND System is). I believe that in the Multiverse, there are many Universes that incorporate the HAND System. I believe there are a vast number of worlds that aren’t nearly this dysfuntional. I’m presently in the insurance business because this world doesn’t know anything about the HAND System. They don’t know that it would fix this world much better than insurance ever could. People don’t know. So I have to settle for the insurance business.

I know that all sounds strange. I’m a little geeky, I know, but I’m not so other-worldly. In fact, I’m perfectly normal and safe to be around – just a little different than what you’re used to. And I can be practical. I may not be of this world, but I live as though I’m really in it. My philosophy holds that this world is at least partially real, even if it seems to be falling apart. Belief in the Multiverse as a product of Maximized Awesomeness does not make a person so other-worldly that they can be no earthly good. I see it as my mission to make this world a little less bad for people, if I can.

Other worldly leadership?

The Ghost Machine was another example of an attempt I made to maximize the good, as I knew how, given what I knew and thought I might be able. As with all of my business ventures, I started with the belief that it wouldn’t necessarily take money to make money. I still haven’t given up on that thought but I’m reminded daily of how pollyannic the concept is. I so much wanted that to be true. I had very little money. If I wanted to be in business for myslef, it would have to be true.

My father hadn’t wanted me to go into business for myself. He knew I wanted to have a positive impact in this world, one that required some entrepreneurial courage, but he wanted me to keep the good government job I had. He said that all the people he knew who’d gone into business for themselves had sacrificed a life without worry. Taking risks could rob a person of their time and of their health. He tried to spare me. He meant well. And I know he was right.

Dad spoke from his personal pain. He had lived in a very different world. It started well enough. He had inherited a fortune from his own father. He started out with a great career in textiles his Dad, my Pop Pop, Charles Carvin, Sr. had taught him. Dad became a marketing man in the textile industry. Even before his Allied Chemical days, he was doing commercials for Chemstrand. If you followed the Netflix series Madmen, you may have caught some of the flavor of my father. He had a trophy wife in Rye. He took the same train from Mamaroneck to Grand Central Station and back every day. “Draper” was even the name of one of his peer VPs at Allied.

One of Dad’s Chemstrand Commercials – images of home

I hope you enjoyed that video. Please watch it. See what I mean by “flavor”? And if you are really astute, you may have found the word, “Cumuloft” familiar too. Well, I should tell you that I was no more than one or two years old when the above commercial was made. Dad’s move to Allied’s Caprolan from Chemstrand was in 1962 and there was no more talk of any Cumuloft after that, if there ever was any in my presence. Assuming it wasn’t just a coincidence, somehow the term “Cumuloft” appears to have managed to stick in my young brain for forty years or so before I incorporated it into the Ghost Machine. The Cumuloft was the Ghost Machine’s “cloud” security storage system. Then one day, I decided to check to see if “Cumuloft” was a word I could trademark. The Internet didn’t show me anything at the turn of the Millennium, as I was developing the Ghost Machine’s blue prints. I only encountered my own father’s commercial, well after that search. I wonder what else is stored in my head without my knowledge. I don’t think we found this video until about 2016. Development of the mobile app started in 2011.

But I digress. Thinking about Dad can make my mind wander. I was talking to you about the insurance business. Specifically, I was thinking about how a person like me, who’s head is happier in the clouds, could possibly take interest in solving the problems inherant in dystopian economic systems. Insurance is a help. I was telling you it was the best I could do. At least it helps some people in this world. I’m sure there are many Universes much like this one where it comes in handy.

And I was telling you about the Ghost Machine. Like the insurance business, it would have put a bandaid on socio-capitalism. The idea was to create a fun way for people to make money. This world can be a very dull and even cruel place. Why isn’t earning a living easy and fun? It’s such a shame I was unable to raise the cash needed to build the Ghost Machine. The world would be a very different place right now if I had succeeded.

Use the ghost machine's finder to plan your ghost hunting all day long every day so you can earn Ghost Bucks!
The Ghost Machine App
Pokemon Go meets Bitcoin

with some ghostly edutainment

At least in the insurance business I don’t have to start from scratch. There’s already billions and even trillions of dollars in this business. Getting my personal brokerage started has taken time, more than money. I was able to survive on rideshare earnings while getting my first few sales. It didn’t take hundreds of thousands of dollars.

But you deserve a little more back story.

Dad lost his fortune. My mom, who outlived him by decades, lived a miserly life after he passed. And she was spared the difficult ending to her life that my sister and brother had. She was in great health clear up to the age of ninety. Then she had a heart attack. She never had to pay for assisted living, much less a nursing facility.

Contrast that with my sister, Corinne. She had a stroke ten years before she died. The majority of her remaining years were spent on a feeding tube in a nursing home. Her husband abandoned her. Her four remaining brothers deliberated over her care. One wanted to put her on palitative care and another thought she wouldn’t want that and the right thing to do was to bring her to a new nursing home in Tallahassee. He prevailed. And that is why we moved here – to watch over her before she died.

My wife, six years my younger, also had had a stroke the year before my sister, six years my elder. She was only thirty eight. She’d been in perfect health until it happened in 2004 but she’s been paralyzed in her left side ever since. It shows me that bad things can happen to anyone at any time. Jeanne Calment, who according to the Guiness Book of World Records is the oldest documented woman to ever live, was a smoker. Lisa never smoked, drank or took drugs and she worked out regularly. Bad things happen to good people. It doesn’t matter how rare it is. It happens. And that is why we have insurance.

We still managed to have some good times after Lisa's stroke even when we had no money. Hardship is bad. God is better.
We still had some good times after Lisa’s stroke even when we had no money. Hardship is bad. But you can work through it.

With that picture, it may make better sense why an inventive philosopher would wind up in the insurance business. It positions me to help people deal with the hard realities that exist when bad health, or death, comes at an unexpected time. We can deal with problems before they happen. I can’t prevent an occult arterio-veinous malformation, like Lisa’s, from bursting. But I can make it easier for families to deal with the financial issues that ensue if and when such a thing happens.

And it wasn’t just Lisa, or my sister Corinne. Do you know what was really eye-opening to me? It was visiting Corinne in that nursing home. Nursing homes are places filled with people suffering. I wish more people knew. Maybe they would visit them. There is so much loneliness there.

And they need care. They shouldn’t go without much needed care. Caregiving takes money.

I don’t mean family caregivers. Lord knows I’ve never been paid for family caregiving and few have. Maybe we all should have been and maybe there are even some insurance plans, ones that I can even write for, that actually cover that to some extent. If anyone would know about those plans, I would. But what I mainly mean is professional nurses, doctors, medications and treatments. It all has to be paid for.

So, I’ve decided that the best way for me to maximize my personal awesomeness, is to learn all I can about health insurance for young and old. And life insurance too. When I was young, I had my days of fun and adventure. I have no shortage of stories to tell. But I continue to ask how I can do the most good for the most people – not just myself – before I die. I continue to focus the answer on the areas I would be most capable of. I still have a few brain cells left. Let me see what I can dig up for you. You have not because you ask not.

Licenses & Certifications

I am an independent life, accident and health insurance producing agent based in Florida, licensed in multiple states:

  1. Arizona (20666979)
  2. California (4328990)
  3. Florida (W965746)
  4. Georgia (3650990)
  5. Michigan (20666979)
  6. New Mexico (20666979)
  7. South Dakota (40718581)
  8. Tennessee (3002978899)
  9. Texas (3069623/3069636)
  10. Virginia (1398323)
  11. West Virginia (20666979).

My license information and up-to-date certifications for continuing education requirements are included below for those who may need to check my credentials and eligibility.


As my business expands, I will continue to add state life and health insurance licenses to this page. All licenses and certifications listed here are current.

Michigan 20666979

Medicare Certifications

Marketplace Certifications (ACA/FFM)

About Me

I got into the life insurance business in my sixties after graduating from Arizona State University with a 4.0 average. My degree was in Interdisciplinary Studies with concentrations in Organizational Leadership and Philosophy. I already had a degree in Music Composition from the University of South Carolina that I’d earned in 1980 while on a springboard diving scholarship. And then after that I earned a theology degree, as well, after six years of study in two small colleges in South Florida – St. Vincent de Paul Seminary and St. Michael Academy, where I also served as an adjunct professor. I am a highly dedicated, very detail oriented person, who loves to teach and lead. is a comprehensive web site that tells you not just about my life and health insurance brokerage but about my philosophical and entrepreneurial endeavors. Last year I completed Season One of my Awesomeology solo podcast. I’m currently looking for a co-host for Season Two. My motto is “Maximized Awesomeness.”

James Carvin, 1981

I am an Independent Broker working with Multiple Carriers and Plans.

I am not captive to one company or plan. I work with you as an independent broker to assess your family’s needs and goals. Many people ask for quotes when what they really need is guidance. Being independent enables me to do this.

There are three major marketing organizations I work with. Each contracts with multiple carriers to serve as many needs as possible. I do not have contracts with every carrier that these IMOs serve:

  1. Family First Life – FFL contracts with a majority of A-rated life insurance companies, as assessed by AM Best, Fitch, Moody’s and Standard & Poor’s. I personally scan through ninety five A-rated carriers to find you the cheapest plan within your budget using FFL’s unique tools. FFL specializes in whole life, term, mortgage protection, children’s policies, annuities, IUL’s and accidental insurance.
  2. Benzy – Benzy has contracts with well known carriers to provide health matching accounts and private indemnity plans that cover hospital costs, accidents, illness and out of pocket expenses from dental, health, vision, cancer, heart attack and stroke. Their ideal clients are in generally good health and they don’t benefit much from ACA tax benefits or cost sharing from the health marketplace. If you’ve been paying high premiums, high deductibles, high copays and astronomical cost sharing on top of that, then I can help you eliminate it through an indemnity plan and a health matching account. Benzy specializes in private health plans that don’t pass the high costs of pre-existing conditions and predictable expenses like pregnancy onto other members of the network, as is the case with ACA plans and other comprehensive medical plans.
  3. Kellogg – Kellogg Insurance is my marketing portal for traditional comprehensive health plans and plans for seniors. Whether you qualify for accelerated tax credits and cost sharing due to your lower income, or you have pre-existing conditions or you are in your silver years, Kellogg has provided me the organizational power and training to help me help you.

In any of these areas, it is my goal to help you locate the ideal product for your personal, needs, qualifications and budget. Please note that I have contracts with many but not every carrier and my portfolio of products continues to improve over time as do the number of markets I serve.

Arrange a Consultation

  1. If you are married, it is advisable that your spouse be present and attentive.
  2. Carriers require payment and other sensitive information to set up monthly payments and check medical history for simplified underwriting.
  3. Bloodwork and labs are not required for the majority of policies.

If you live in the Tallahassee vacinity, I am happy to accomodate those who prefer in-home consultations up to about fifty miles in any direction. Most of my work is over the phone or on Zoom. When signing electronically, many carriers will require an active email address and/or text. If you don’t have Zoom, I can share screens using your desktop or laptop’s browser. Typically over the phone there will be a discovery call followed by a plan call. Some carriers may require recording all contact and a 48 hour advance appointment using a scope of appointment form. To arrange a consultation of any type, click here.

Arrange a Consultation

(1) In-Home consultations are only available within a fifty mile radius of Tallahassee.
(2) Telephone consultations will be recorded and records kept ten years where required by law.
(3) On-line consultations utilize Zoom or other video presentation technology and will require that you open a link sent to your email. On-line consultations are also recorded.

How to Proceed:

Step One: Read the instructions on how to prepare for our consultation.
Step Two: Read and agree to the disclaimer.
Step Three: Click on the link below that corresponds to the consultation method that you prefer – In-Home, By-Phone or On-Line.

(1) Instructions
(2) Disclaimer
(3) In-Home | By-Phone | On-line

Instructions on How to Prepare

  1. Understand who I am and what I can do that others can’t. First, as an independent broker, I am not captive to one company or plan. I offer many. I will help you compare your options and meet your goals. Second, I don’t just offer health plans. I also offer life insurance and annuities, mortgage protection and long term care with the best rated carriers. I offer group health and life plans as well as wellness and workers comp. I offer individual and family health plans. I help those in financial need and those with pre-existing conditions. I help business owners and high income earners as well as those with special needs who may qualify for subsidies. I offer both ACA and private plans. Whether or not you have pre-existing conditions or you are a low income earner, I can help. I also offer both traditional Medicare and Medicare Advantage Plans. I offer Medicare Supplemental plans and Prescription Drug Plans. We will discuss your needs and I will help find the solution. That’s who I am and what I do. That’s why it is called consulting rather than sales. Prepare mentally for a very helpful consultation. I am going to help you and direct you to the best plan for your expressed needs. Make time for me.
  2. Different types of meetings require different types of preparation. If we are discussing health plans, I won’t need all your prescription information, but if we are discussing life insurance, I will, so I can compare pricing and value and see which programs you qualify for. For health, since there are laws against discrimination, I can’t ask those questions. However, you will be interested in pricing and I am permitted to answer any questions you have about the cost of certain drugs or the availability of specialists and primary care physicians in a plan’s network. Prepare a list of questions. If you are on Medicare, have your Medicare card ready. If you are enrolling in Medicare for the first time, prepare by applying online at least two weeks before our meeting at so you can have your card before we meet. You must be enrolled in both Part A and Part B to qualify for a Medicare Advantage program. Check your card to make sure you are in both. If not, head to to get enrolled into Plan B.
  3. Whether our consultation is about life or health insurance, have any existing policies you have available for review and comparison and have your banking info ready so I can enroll you into a plan, if needed. Normally payments are made monthly and you can select a date for your payments. You may also choose a different mode of payment, such as quarterly, semi-annually or annually, and select a start date for your plan. Some carriers may require your drivers license. Most require your social security number. For life insurance policies, have available the addresses and dates of birth of any beneficiaries. Most carriers won’t require the social security numbers or emails of your beneficiaries but those are helpful to provide just in case. The social security number prevents confusion about people with the same name. The email address and phone number of the beneficiary helps with notification in the event of your death. Having all this available before our meeting will speed things up tremendously.
  4. If the meeting is about Medicare plans, (as opposed to a general discussion of Medicare not involving plan specifics), then you will have to submit a Scope of Appointment form (SOA) at least 48 hours prior to our meeting. Be aware that at any meeting discussing Medicare plans, I will not be permitted to discuss life insurance or ACA plans by law. Our conversation will have to be limited to what you check off on the Scope of Appointment form and the meeting will be recorded. The only meetings that won’t be recorded are face-to-face meetings. On-line consultations will be recorded on Zoom or other media as required by law. Virtual appointments do not legally qualify as face-to-face meetings according to the Center for Medicare and Medicaid Services. If you do not wish to be recorded, it is only required for Medicare. Let me know in advance of the call if you do not wish to be recorded and so long as it is not out of compliance, I will arrange to talk on an unrecorded line.
  5. Timing matters. Prepare for enrollment periods by knowing when they are and whether they apply. Life insurance is best bought while young and healthy because its cheaper and has more value that way but it doesn’t have any enrollment period restrictions so much as plans that you’ll only qualify for at certain ages. Health Insurance involves enrollment periods you do need to be aware of and Medicare enrollment periods are different than Non-Medicare enrollments. The three main dates on Medicare to know are (1) the Annual Enrollment (AEP) Oct. 15th – Dec. 7th, which allows you to start new plans or change plans and make as many changes as you want (2) the Open Enrollment Period (OEP) Jan. 1st – Mar. 31st, when you can make one change to a Medicare Advantage plan and (3) Special Enrollment Periods (SEPs) throughout the year that can be triggered by events such as coming in and out of an institution or coming on or off Medicaid, discontinued plans or change of address that makes you lose your network. For ACA health plans, open enrollment is from Nov. 1st – Jan 15th and similarly there are Special Enrollment Periods throughout the year. Some indemnity plans and ancillary services aren’t subject to enrollment period restrictions. Be sure to ask me about indemnity plans as they are often the key to eliminating your out of pocket costs. Understand that it is my goal to reduce or eliminate your medical expenses entirely, if possible. And sometimes it is. You just need to know what to look for. Book me.

(1) Instructions
(2) Disclaimer
(3) In-Home | By-Phone | On-line


By completing this consultation scheduler tool, you agree that you have read and understood the following disclaimer:

1 ~ If you are NOT seeking Medicare or Medicare options such as supplementary insurance or Medicare Advantage or a Medicare Prescription Drug Plan or equivalent, DO NOT check the Medicare Disclaimer on the Scheduling tool.  
2 ~ If you ARE seeking Medicare or Medicare options such as supplementary insurance or Medicare Advantage or a Medicare Prescription Drug Plan or equivalent, then YOU MUST check the Medicare Disclaimer on the Scheduling tool and the following disclaimers below shall apply:
2.2 ~ Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS, and PDP] organizations that are contracted with Medicare. Enrollment depends on the plan’s contract renewal. 
2.3 ~ I do not offer every plan available in your area. Currently I represent 4 organizations in Tallahassee which offer 18 plans.Please contact, 1‑800‑MEDICARE, or your local
State Health Insurance Program to get information on all of your options.

(1) Instructions
(2) Disclaimer
(3) In-Home | By-Phone | On-line

In Home Consulation

  1. Choose a date and time.
  2. Begin by tapping on one of the dates below.
  3. Fill out the form completely.

(1) Instructions
(2) Disclaimer
(3) In-Home | By-Phone | On-line

Consultation By Phone

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  2. Begin by tapping on one of the dates below.
  3. Fill out the form completely.

(1) Instructions
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(3) In-Home | By-Phone | On-line

Consultation On-Line

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  2. Begin by tapping on one of the dates below.
  3. Fill out the form completely.

Comparing Life Insurance Policies

I should add some thoughts that help summarize my thinking. One of my goals in offering better health plans is to help families build legacies. If you have read my blog you know how important legacies are to me. A legacy is what you leave to the world after you die. Typically your family is most affected by your presence or absence. Some manage to build foundations and have more long term benefit to the world that survives them. Unfortunately, many legacies are destroyed by a simple failure to check their policies. Often the people that I meet are too embarassed to admit that they may never have checked their policy at work, or the fine print on a policy they picked up at the funeral home or got in the mail. We trust our employers and we are too busy to sort through anything with a lot of fine print on it. This is probably a bigger problem with life insurance policies than health insurance but it applies to both. The simple fact of the matter is that many policies don’t deliver what peo0ple think they do. Let’s check.

If you have access to your existing policies, please have these ready to review when I arrive so we can determine whether you should keep, cancel or modify them. If you do not know which carrier your policies are with or what your current premiums are, check your bank statements. If you are not making payments monthly, you probably don’t have a policy. If you don’t have a copy of your policy, show me the phone number on the bank statement where you are making your payment when I arrive. For life insurance policies, I will make sure that both you and your beneficiaries have a copy of all of your policies before I leave. For health insurance, you ought to have a card. If not, then what will you do if you get sick or have an accident? If a life insurance policy is with an employer, you probably do not have a policy since you don’t own it. Instead, you may have a certificate. Employer life insurance policies often offer far less than what employees assume they do. Did you read my story about Bob and Sally? The same is also the case with PreNeeds policies, renewable term policies, graded and guaranteed issue policies. I will discuss this with you when I arrive. Let me see them.

Location Matters

Once again, all in-home consultations must be in the greater Tallahassee, Florida region, where I live, or possibly Southern Georgia, where I’m also licensed. If you live outside of the Big Bend region or far from town, I prefer to help you by Zoom rather than by phone, so I can see you and you can show me your policies, if you have any. I also prefer to see the faces of the people I help. Visit my Licenses & Certifications page to see which states I am authorized to serve families in.

Be aware that I am not licensed in every state and not every carrier offers the same products in every state. Health insurance is also limited to networks. However, if you are not a Florida resident, in most cases, depending on the type of product, I can still help you. Be sure to let me know what state you are an official resident of before booking your session with me, so I can prepare for our meeting in advance. Otherwise, I will assume that the address you list is the address of your official residence. Florida residency requires that you generally live at your address for 180 days out of the year or more. A Florida drivers license is normally sufficient to establish that you are a resident. If I am not licensed in your state, please let me know where you are. I am always interested in expanding and need to monitor demand.

Twelve Life Insurance Myths

Every Monday and Thursday I spend all day booking appointments to help families with their life and final expenses. I like to meet families face-to-face when I can. It helps me know who I’m helping. I literally love helping people. It gives me a sense of purpose. And I love the way people think about the people they love. It renews my faith in humanity. But a lot of people won’t let me help them because they are confused. This is a very serious problem. So, today I’m going to clear up this confusion by addressing the twelve most common erroneous assumptions people make about me when I call to book an appointment, almost always hurting those they care about in the process.

Tap on the insurance myth that describes what you were thinking when you hung up …

Look at the list below. Click on the myth that describes your last conversation with a life insurance broker like me. It will show you what we were thinking when you told us you didn’t want our business and hung up …

  1. You were thinking, “Why is yet another telemarketer calling. *$%#^$?!”
  2. You assumed I was trying to sell you something.
  3. You asked, “can you just send me an email with a quote?”
  4. You said to me, “I’m not interested.”
  5. You told me, “I already took care of it.”
  6. You have a policy from work.
  7. You’re prepaying a Funeral Home.
  8. Your “PreNeed” policy is all you need.
  9. You avoided me because someone said you wouldn’t qualify.
  10. Your spouse said it was too expensive.
  11. You got a really good policy through the mail.
  12. You told me, “whole life insurance costs too much.”

Watch the video below that fits. And then if you want to become a quick expert on life and final expense insurance, watch the rest. When you’re ready to do business, fill out the form at the bottom of this page to book an appointment. Then after I’ve helped you, join in the fun and satisfaction I get out of all this by sharing this page with your friends. 🙂

Myth #1 – I am a telemarketer.

If I am calling you, there is only one reason I’m doing it. You requested information. I don’t make cold calls. Now to be sure, depending on how the request came in, there may be more than one agent who follows up on it, but more often than not, people looking to protect their loved ones will make the mistake of submitting multiple inquiries while it is on their mind. That can trigger a flurry of never-ending phone calls. Even if you just filled out one online form to the wrong place, many agents will call, rather than one. And the problem just begins there. Something that makes me even angrier is that social media, Google, and other generic sources, will often sell “leads.” In fact, big data, as it is called, is even known to resell the same leads to multiple buyers.

I respond when you’ve contacted me for help. Do you know how frustrating this is?

So here is my reality. I don’t ever know when any of that has happened when I call. If you’ve received too many calls, then you’ll hang up on me, thinking I’m a telemarketer. At that point, I can pretty much guess the reason, but by then it’s too late. Of course, I can totally relate. I hate to get sales calls too. It drives me bananas. I don’t blame you for hanging up, or even cussing me out in the process. What does bother me most though, is that I’m not helping someone. I happen to know that more often than not, people actually do need my help. They just don’t know it. And when they hang up on me, I’m not given the chance to help them.

Back to Myths List | Book An In-Home Consultation Now

Myth #2 – I am a salesman

While some people are natural-born salesman, I am not. I stutter when I speak. And the older I get, the more pauses there are as I search for words. Plus, I have ADHD and easily move off topic. I’m the opposite of a smooth talker and I’m no extrovert. If I make a video, I’ll have to edit it a lot just to speed it up to a normal pace and remove the ands and ums. I can also write. At least I can do that. I know this about myself. That’s why when I graduated from ASU and started to get offers from Insurance companies, I didn’t apply. I knew they needed smooth talkers to push their one-size-fits-all products onto people that those products might not be best suited for.

It seemed both better suited to my own personality and to my sense of ethics, to be in the business of helping people find what they needed, rather than to convince them they needed what I happened to sell.

Salesmen and consultants are two very different things. I’m not a captive agent!

You should know how this works. I am in business for myself. I’m an independent agent who works with dozens of companies that each has many products. Most agents work for insurance companies as employees. Those agents are very limited in what they can offer you and they have to sell one-size-fits all policies. Very typically, those policies will not be in your family’s best interest. Me, I make a great teacher. I prefer to help someone shop and make the best decision. My role is that of a consultant. I save you time because I can connect you to the products that will help you the most within your budget. If you ultimately are able to find an insurance product that gives you more coverage, or the same coverage for a lower price than I can find you, I will thank you for finding that for me and seek out that company so I can contract with them to provide that product to any future clients I have that fit your profile. But that rarely happens because I’m plugged into a very sophisticated system that has already done most of that work for you. I already have contracts with all the best A-rated carriers.

Back to Myths List | Book An In-Home Consultation Now

Myth #3 – I can send you a quote.

Look. Let’s be realistic. I’m here to help people – not waste my time or yours. If a letter doesn’t have a first class stamp in my house, it’s going into my trash. How about you? And if it’s going to my email, I’m probably going to delete it. How much of your junk email do you read?

What good would a quote for a policy you didn’t qualify for do you?

But even if that wasn’t the case … even if you did read it, what would I send you? I need to know what you need first. And I need to know what you qualify for. Otherwise, you’ll be shopping for something you can never have. Do you want a multi-million dollar mansion? So do I, but if I don’t qualify for it, I won’t waste my time, or my realtor’s, trying to buy it. That realtor is going to prequalify me. Until I’m prequalified, they won’t even talk to me. So, ask yourself this question: how much time and effort does getting prequalified to buy a home take you? You have to supply bank statements. Don’t you? You have to have a credit look up. Right? That means you have to give them your social security number and your bank account info. Doesn’t it? Yes, it does. And you’ll need to verify your identity with something, probably a driver’s license. I’m going to need certain information too.

It won’t be quite as detailed as buying a home, but I can’t give you a quote without knowing what you qualify for. You should be aware that that’s going to happen no matter where you go for insurance. If you do get a quote without that information, there will be a catch. I’ve warned you. Beware. I do want to give you a quote, but I’m going to have to prequalify you first. That should take about ten or fifteen minutes. Most of the information you need, like what prescriptions you take, will be at your home. That’s one of the reasons I prefer in-home appointments. Sound fair?

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Myth #4 – You are not interested

By the time I reach you, it’s always possible that you’ve already bought insurance, but when I’m calling back about the information you’ve requested and you tell me you’re not interested, I’m going to think that either you tried to get insurance somewhere but weren’t qualified, or that you did qualify but it was too expensive, maybe somebody already came over to help you, or maybe you bought something you found in the mail. I’m not going to think you weren’t interested. That would mean you didn’t care about your family and at some point you were asking about benefits for them. I’m assuming you just don’t want to talk about it.

There are people you love. Don’t tell me you weren’t even curious.

So, put yourself in my shoes for a moment. When you tell me you are not interested, expect me to ask you why you changed your mind. And if you do give me time to ask you that before hanging up, please try to understand why I’m asking. I’m asking because I care. And I care because I know that in every one of the most likely explanations I just mentioned, it’s most probable that you could have made a better decision. What’s more, if you would just give me the time, I would be able to show you how to correct it. And that could make a huge difference both for you and for those you love. The most common underlying reason is that you already took care of it and just don’t want to talk.

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Myth #5 – You already took care of it

Caring for those you love is something you maintain and double-check. It’s not something you don’t periodically review, and I want you to really think about this. If you had a child who was sick, you would take them to the doctor. And if the doctor gave you a certain drug you had never heard of before, would you trust them? Or would you trust your friend who used home remedies? Even if you had a doctor, if your child was about to die and needed surgery or some difficult treatment, wouldn’t you seek a second opinion? Of course you would. You haven’t taken care of your child if you haven’t consulted a licensed professional. And even if you have, you haven’t taken care of them without a second opinion. You allow your doctor to revise your prescriptions. Allow a licensed independent agent to review your policies. You are not truly taking care of your family if you don’t. So, you haven’t really taken care of it.

Here’s what an insurance broker is thinking when you say you already took care of it

Now these days, a lot of people go to Google to learn a lot of things and people self-prescribe the right thing more often than they used to. And that’s a good thing often enough, especially for those who avoid doctors because of medical bills. But second opinions from independent life insurance agents cost you nothing. An agent like me will check your policies without charge because more often than not we will be able to make a significant improvement over your current policy – either qualifying you, when you couldn’t qualify before, or getting you more coverage for the same price, or perhaps the same coverage at a significantly lower price.

And it involves much more than mere price. It also involves misunderstanding. Check through the other myths I’ve singled out here. For those who’ve already purchased insurance policies, it is very common for people to think they have more coverage than they actually do, or to think that a policy is much cheaper than it actually is. Be sure to watch all of the myth busting videos on this page and see for yourself what I mean. Even if you have already taken care of it, then share this page with a friend who probably hasn’t. Even if you’ve truly taken care of your family, have you cared for your friends? Share this with them.

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Myth #6 – I have a policy from work

Employers contribute to health care plans and sometimes offer life insurance policies as a benefit, in addition to retirement plans. However, there are several things you should be aware of before relying on an employer’s insurance plan for either your health or to protect your loved ones when you pass away or if you become disabled.

First, be sure your company’s life insurance is not “key employee” insurance. Key employee insurance is not a policy for you or your family as a beneficiary. It is a policy taken out on you with the employer as the beneficiary. It keeps a business running when a key employee dies. It does nothing to help the employee’s family at all in the event of their death.

Let a licensed professional review the life insurance policy your employer is providing.

Second, only a handful of employers anywhere offer individual policies for their employees. Most often, if they offer life insurance at all, they will offer group term policies that will lapse when an employee is no longer able to work, which is unfortunately typical if an employee suffers from a long term illness. It is very tragic, but when an employee gets a fatal disease and is unable to return to work for a given period of time, usually just thirty days, they may be able to extend their health benefits if they personally contribute to a COBRA policy, but the life policy will not be offered without a health examination. Of course, no one with a terminal illness will qualify for a life insurance policy. Unless your employer is offering a whole life policy that is portable, your employer’s life insurance policy will be of no value to your family.

Third, you should own your own policy. Even if your employer was providing you with fully portable whole life policies, they could still decide to cancel every policy every employee had at any time, all in one group fell-swoop. If its going through an aggressive hiring phase, an employer might over-buy benefits to attract new employees. But if it is going through a lay-off phase, it will typically choose to trim benefits rather than lay off employees. Your family matters too much for that sort of risk.

The bottom line is that you should own your own policy – not rely on an employer’s policy. Statistically, only 2% of employer policies pay out as employees expect them to. So, when I hear someone on the phone tell me their employer offers a policy, I cringe. How can I explain all this before they hang up? It’s hard to know where to begin. That’s one of the reasons I prefer to discuss this at someone’s home rather than over the phone. At your house, I can look through your employer’s policy with you. I can check every policy you have with you. Think of me as a doctor giving you a check up. You are not the professional. I am the professional. Google is great, but it doesn’t have a license. I am the one who studies this round the clock so I can protect you.

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Myth #7 – I prepaid my mortuary

Typically, a person will choose to prepay a funeral home or crematory when they’ve discovered the hard way that final expenses can be a huge burden on a family mourning a loss. This motive is a really good one. You don’t want the same thing to happen to those who survive you as what happened to your family when someone you love passed away. But to be frank, it’s not as good of a solution as final expense insurance. And its not hard to understand why. So think about how all this works.

When you prepay for your funeral, your plot, your casket, the burial service, maybe a ceremony with a pastor followed by a luncheon, your cost will be something a little greater than the cost of a luxury car, even if you try to trim expenses through cremation, assuming cremation is allowed according to your faith tradition. And like the cost of cars, the cost of funerary services and items for sale keeps increasing year after year, often out-pacing inflation. So, when you pay for all of this ahead of time, you are thinking you are skirting inflation and solving the problem by removing a huge burden from your family. You are sending them one last message that says you thought about them. You told them you loved them one last time. It is such a beautiful gift. And it gives you peace knowing you’ve taken care of it.

Great. In a lump sum? Or are you still making payments?

The problem is that unless you pay for the whole thing in advance with cash, you will be making payments to the funeral home, and until you have paid them in full, the remainder of the cost will be imposed on those who survive you. Funeral plots have deeds and like any real estate, deeds are subjecty to liens. And the truth is, most funeral homes won’t do anything for your family at all, unless the bill is paid in full. There will be a lien on that property untill all bills are paid. So, you may just have created a problem rather than solved one.

Contrast this with final expense insurance. With final expense insurance, you get the full amount of a policy from day one. It doesn’t have to be paid in full. If you have an accident and die tomorrow, all of your final expenses will be covered. Whereas, when you prepay a funeral home, unless there is a clause in your contract stating otherwise, any credit you have paid in advance to the funeral home, they get to keep. Just like a bank, they can foreclose on your property when you don’t pay. So, if your family can’t pay the balance, that’s their problem. This is so tragic. I hate to have to explain this but this is what it looks like. Whereas you thought you picked out your final resting place, your body, or cremains, can easily wind up spread out over a lake or under a tree somewhere. Who knows, but it won’t be where you thought. And more importantly, the ones you love will be anything but relieved with that arrangement. I hate to be frank about these things but it is important. You do not want them to be upset with you after you are dead for mishandling what you’ve left them with.

Now all this begs a question: what if you’ve been paying a funeral home in advance, hoping to care for your family, but now you realize this whole arrangement may have been a huge mistake? I know I’ve painted a very bleak picture here, but there’s good news. Don’t worry about it. All you have to do to fix this is take out a final expense policy. Keep paying the funeral home. You’re on the right track. The policy will pay the remaining expenses owed to the funeral home in the event of your death, plus whatever more you decide to bless your family with. Problem solved. You’re going to need me for that, of course. So please don’t hang up on me or close your door telling me you’ve taken care of your final expenses, when all you’ve done is start prepaying a mortuary. Good for you. Now let’s really protect your family.

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Myth #8 – My PreNeed policy is all I need

Seeing the basic problem I just addressed in Myth #7, the Funerary business came up with a sort of insurance policy that would pay out the full amount of the cost of Funeral expenses known as “PreNeed.” PreNeed policies are a step in the right direction, but they are far from ideal. Yes, they do pay out the full face amount of a policy so long as you pay your premiums. But that’s where the benefit ends. And they’re not what you might expect.

For one thing, suppose you have a PreNeed policy for $10,000 that you take out when you are sixty five years old and you pay a $100/month. That’s $1,200/year. So by the time your seventy three, you’ll have paid in the full amount of the policy. So, what will happen if you live to eighty? Well, you’ll have to keep paying $100/month to keep your policy or you will have nothing at all, even though you’ve paid in $10,000. By the time you’re eighty, you will have paid in about $19,000 for your $10,000 policy. Do you see what a bad net outcome that is? And that’s just one problem…

Is it irrevocable? Let’s look at the fine print and the laws in your state.

A possibly even greater problem is that PreNeeds policies from funeral homes don’t assign the family as the beneficiary – at all. The funeral home is the beneficiary. Think about that. So, what that means is that the funeral home is going to upcharge all it can, while it scrimps on as many of its costs as possible, so that it gets 100% of the face amount of the policy with a minimal expenditure and maximum net profit – even if that happens when you’ve paid more than the policy’s face amount, like I just showed you.

So, let’s be realistic here. Businesses are in businesses for profit – even businesses that serve families in their time of grief. By paying a business a set amount, the business is most likely to trim its costs and upsell more and more services as necessary, to retain all it can of the face value that the insurance offers. You’ve seen health care companies jack up prices to do this. The funerary business is no different. Once you contract with the company and have an insurance policy that will pay a set amount, free market competition is no longer a factor. A competitive market place is what serves the public, driving down prices. And once the funeral home is chosen as the beneficiary, the family can’t exactly take their business elsewhere.

Now to be sure, there are some laws regulating funerary contracts. Some are irrevocable and fall under planning laws, depending on your state, and those laws may require expense planning to avoid the exploitation of consumers this way. Revocable contracts, on the other hand, may allow you up to a 90% refund at any time during the contract. The upshot of all this is that it may be worthwhile to switch from a PreNeeds contract to a whole life policy for a number of reasons. Certainly, you should weigh it out. For one thing, whole life policies normally assign the family as the beneficiary, not the funeral home and give the family the liberty to spend proceeds as they see fit. This may involve the cost of airfare and other expenses such as time off work, that are often overlooked, and definitely not covered in PreNeeds contracts. Always keep in mind that any monies left over after final expenses are paid, are not subject to probate or taxation. They are gifts to those you love. That’s why life insurance policies are the ideal way to bequeeth savings.

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Myth #9 – I won’t qualify

As true as it may be that the older you are the more expensive final expense benefits become, I should let you know that there is at least one A-rated carrier that covers those up to age 89. You might also want to consider that when you are that old, you are likely to not pay premiums for as many years as someone who is much younger, so your total cost may not be that much higher than your younger peers would pay after all.

I also know which carriers offer the best coverage for those with serious health problems, including cancer, heart attacks, strokes, diabetes, kidney problems and so on – you name it. Typically, these will be graded policies, which means you won’t get the full face amount of the policy until the third year, but as graded and modified policies go, I know how to find you the best value. The first thing I should say about this is to look closely at the terms. Most graded policies offer something called a 10% return of premium. This means you are offered a benefit of 10% of the total premium you pay during the first two or three years on a policy. Compare that to a savings account. Where can you get 10% guaranteed interest on a savings account? Nowhere. And show me a savings account that suddenly pops up in value in the third year to tens of thousands of dollars. It’s a no brainer investment. I’m a specialist in finding you these.

Never say never! You can be on your death bed and I’ll find you a policy.

That’s good news, but it gets even better. Modified policies, with the right companies, pay even more even faster. As long as you pay your premiums, the value of your policy will jump up from year to year. So for instance, if you’ve got a $30,000 policy that pays 30% of the value after the first year, 70% after the second year and 100% of the value after the third year, your family would receive much more than their return of premium plus 10% back, as they might get with a graded policy. For example, if you passed away in month 15 and the policy paid out 30%, that would be $9,000 to your family. If your premium had been $100, you would have only paid in $1,500 at that point. That’s much more than 10%. It’s 600%.

I’m not going to say that I can qualify every single person for all the insurance they want. But I am going to say that in over 99% of cases, it is going to be a myth to say you don’t qualify at all, and I can get more people qualified than most other agents can due to the large number of carriers I can call on. Therefore, you probably will qualify – maybe not for a million dollar policy, but for enough to help your family out when you pass, having done what you could. If your family wants more than the best you can do, then please give the money to me instead. They are ungrateful and I wouldn’t be. I can think of all sorts of charities I would rather give that money to.

Okay. I’m kidding. Give the money to your family. But do be realistic. I’m here to help you. I don’t want to waste my time. And I don’t want to waste your time. I’m happy to help you do what I can.

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Myth #10 – I don’t have the money

This is probably my favorite complaint. When people say they don’t have the money for life insurance, it tells me they are responsible people who have priorities. They may value a policy, but they are figthing the good fight of daily life, quite possibly living from paycheck to paycheck, as they start to see inflation get the better of them and defeat them in the rat race. As they seek to trim expenses wherever they can, to stay within their monthly budget, especially husbands and wives, they see a final expense policy as something they might be able to put off until some later date when they can finally get a break in life … some good news, maybe a new job, maybe some windfall like winning the lottery or being the beneficiary in some lawsuit.

I do deeply appreciate that thought because I’ve experienced that thinking myself. But it overlooks the fact that the cost of insurance is never lower than what it is today. Year by year two things happen. #1 – Our age increases, bringing us closer to our last day on Earth. And #2 – we start losing our great health. Both of these factors chip in to increase the cost of life insurance at a later age. And for couples, the chances of bad news are doubled. Typically an income will disappear. Who will pay the bills when they are gone? How long will it take to make an adjustment to living arrangements? Will a bank foreclose on your house so the surviving spouse loses their hard earned equity?

This is worth an extra paragraph or two to really think about.

Think ahead and keep in mind that younger people qualify for better policies that older people can’t get – and they’re cheaper. Many of these policies offer cash back options too. Whole life insurance, in particular, is easy to borrow on. Its cash value can be used to collateralize loans, maybe buy a house so you don’t have to pay rent any more. Other policies serve to force savings you wouldn’t have the discipline to lay aside otherwise. And if a person is older, there are many policies that offer living benefits. This means that if the policy amount is needed early for things like chronic or fatal illnesses or assisted living, the policy will cover those expenses. It saves your family from paying for your medical expenses when you get old. And that’s as much of a final “I love you” as paying for a funeral expense. It may be something you all want.

We all do what we can. But if you really want to have value, where you don’t have to compromise in the end, start early. When you are young, you may think that you can’t afford it. Just be aware that I can show you policies that allow you to build up incredible cash value. Ask me about IULs. Not only do they build up cash value, but they are indexed to stock values in such a way that if indexes like Standard and Poors go up, they go up with it, but if the S&P goes down, they hold at 0%. Amazing, and you can borrow from them at very low interest rates. You might just discover that the whole policy has a net zero cost.

Finally, you should consider accidental death benefits. The number one cause of death among young people is accidents. The younger you are the truer this is. Among teens – accidents account for almost half of all deaths. The nice thing about accident insurance is that only dare devils and people who die committing federal crimes don’t qualify for it, and it’s the cheapest insurance there is. Even if a younger person just puts in a few dollars a month into a policy, they can make a huge difference to their families when they die. Minors are typically covered with a few extra dollars added to an adult’s policy too. Always ask about children and grandchildren riders on your policy. Some of those riders offer options to continue insurance as separate policies when the child gets older. And that gives them even more value.

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Myth #11 – I already have a policy

A lot of people think they have insurance they don’t really have. It’s very common and here are the main reasons why. To start with, ten thousand Americans turn sixty-five years old every day, which means suddenly they can officially collect social security. They are on a fixed income for the first time in their life. The banks know it. Direct mailers know it. And they know that everyone needs to make a plan for their final days so these people are top targets. What senior citizen hasn’t filled out a few forms in response to this? Mailer after mailer will offer policies for pennies. A lot of citizens get tired of thinking it’s too good to be true. Even your local bank, in whom you trust, has offered you some free starter insurance, hoping you’ll buy more. How can you resist?

Really? What kind? How much? Who with? What are you paying? What’s the catch?

Insurance consultants, like me, know something about all this. We’d be willing to bet that that convenient form that got filled out leads to one of three things – a graded policy, a renewable term policy, or to an accidental death policy. The first type doesn’t pay the full benefit the first few years. The second keeps increasing the price and ends at a certain age. And the third is really accident insurance. It won’t cover any death by natural causes. Even if a well known and trusted bank name is under it, senior citizens need to understand what they’re paying for.

And I have a question. Are banks really in the insurance business now? Rest assured, your bank is not in the insurance business and neither is your credit union.

But maybe I’m wrong. It could be a valuable policy – or at least seem that way. Beware because there’s a very good chance it has an introductory price that is scheduled to increase after five years. It’s actually renewable term insurance rather than whole life. At an older age, this matters a lot. A five year term at age 65 is pretty cheap. Most people live past seventy. From 70-75, a lot more people die. So what happens to the premium cost? It goes up. And then what about the five years after that? You may have a renewable term policy that says it’s good to the age of a hundred. Don’t let the high age on that contract fool you. That insurance company is hoping you won’t notice the fact tht the premiums are not level. They are going to increase. Have they made it clear to you how much the premiums would be once your reached the age of 80? How about 85?

Do you see what I’m up against? You might just have several of these types of policies before you meet me. And you’ll likely ask yourself, what do you need me for? You’re thinking to yourself, you can just keep adding more and more policies you’re getting in the mail. They’re cheap. You’re insured to the age of a hundred, for some huge amount, and you’re pretty sure that you can afford it. But really you can’t. And you won’t know that because you won’t let me in your door.

So, what I have to do, if you let me in, is get you to call all of your insurance providers and get them to tell you directly what’s going to happen when your term renews, when it will renew, how often, and what the price will be when that happens. I’ll also want to know what sort of graded policy you were issued, because you may just have no insurance at all. This may require you to look for your policy, but I will help you. If you’ve lost your policy, you can get a new one. And if you can’t remember who your insurance providers are… (Good grief, I can’t remember why I was looking for my keys in the refrigerator a minute ago)…. If you can’t remember who your insurance providers are, then all you have to do is check your bank statements.

Thank God for bank statements. Every month, you pay your insurance bill and every month, your bank statement will show you both how much you paid and who you paid it to. If you want me to help you go through that I can. I’ll put us on speaker phone talking to your insurance carrier myself, both of us together. I’ll make sure they send copies of your policy both to you and to your beneficiary, so they’ll know that you have it. You do realize that your loved ones and the charities you want to bless when you die won’t receive a penny unless they know you have a policy. Right? So I’ll make sure you have all the copies of your policy you need.

But do you know what I won’t do? I won’t ask you to cancel any of your policies unless they are completely worthless. We’ll figure that out together. And then I’ll see what kind of an actual whole life policy you would qualify for – one that won’t have increasing premium costs; one that will last until the day you die; one you can afford when it’s most likely to be essential that you can.

Friend, in your final years, you are on a fixed income. You can’t risk making bad decisions. It’s my job to protect you. It may take some work to give you a good insurance check up. Be ready for that when I come to your home, both you and your spouse if you’re married. It’s some work, but that’s what I do. And it’s worth it. I’m a licensed professional. I don’t work for any insurance carrier. My business model is built around helping you avoid the misakes that thousands of others do so that you can get the best coverage and protect those you love for a price you can afford. That’s my job. I rarely give a thought to what I get paid for it. All I care about is you. I just need you to let me help you. A consultant and a salesman may both be paid commissions but they are two very different things.

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Myth #12 – Whole life is too expensive

If you don’t like whole life, I can consult with you on term life instead. As I said in a previous video, the carriers I work with have dozens of products each. Many of them are the best term products in the industry. Everybody shops price, price price, but my job is to educate, educate educate.

Of course, I know you can get a much larger policy for a far lower premium! Particularly when you are younger, term policies make really good sense. All I ask is that you think about what you’re betting on. You see that a term policy would certainly help those yoou love if you did happen to die within the term. But if you outlive your term by even one day, and you don’t pay extra for a cash back or return of premium option, then you’ll lose every penny you paid in. So what seems like more policy per dollar can easily become valueless the day the term expires. See how that works? It’s a tradeoff. It’s a gamble.

“Coverage” means covering every possibility.

But did you know that you can have it both ways? If you want the high value of a term policy with a low premium that converts to a whole life policy at the end of the term – irrespective of your health at the end of the term, I know of a carrier that will convert your policy. You can also stack policies – one can be whole life while another is term and you can pick and choose products from multiple carriers to optimize your protection. If you can afford it, I recommend you start stacking insurance policies of different types early because your health and age are going to keep driving up the cost of any whole life policy you eventually buy. Conversely, if you don’t buy young, you risk being forced to apply for a policy when your health is declining. That will drive the price up much higher than it is right now.

In the long run, I’d generally recommend having a good whole life policy as a base. That should be your core long term policy. Let it build up value as you age. Consider it a savings plan you can borrow from for the rest of your loife. You can’t borrow on a term policy. Unless you have a rider for return of premium or a cash back option, a term policy has no cash value. Add a term policy to your whole life policy.

Following my advice is particularly important for young couples. Not too many people live forever, and bad things happen to good people way too frequently. When you and your spouse take out policies for one another, if the worst imaginable news comes to your home, at least you won’t have to feel the full brunt of the financial impact of losing part of a two person income while you’re grieving. You may be able to prevent a foreclosure on your house. You may save its equity from going to a lender with a lien. You may buy yourself enough time with your benefits to make new living arrangements.

Whole life may cost more than term, but if it acts as a savings account and also protects you against life’s worst nightmares, it isn’t all about face and premium amounts. It’s about dealing with life itself. If it pays for itself, as many do, then your net cost is zero. Which is more expensive then? Let me help you with both term and whole life policies. I’m here to help you think it through. I would never steer you wrong.

You’re welcome!

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Education Center

James Carvin Insurance – Learning Resources at a Glance!

Peter and the Roman Tradition

With 2024 around the corner, Elmer Truesdell Merrill’s work, Essays in Early Christian History is becoming Public Domain in the coming year. Unfortunately, it is long out of print in the USA. If you want the whole book, (and why shouldn’t you?), you will have to order it from London. I highly recommend it. Here is chapter 11 – “St. Peter and the Church in Rome”. I think it is fair use to share it so that my supporters have a chance to offer me some personal guidance as I prepare my own work …


With that, I should state that I did not copy this myself. It was a gift to me from the late Archimandrite Orthodox priest, Fr. Eusebius Stephanou, who longed to share it with me but only had one copy back in the days before there was any such thing as a PDF. Occasionally since then, I run across it in my office, but today, for my own convenience and for those few interested in what sources I have for my opinions on the whereabouts of Peter and the origin of the Papal doctrine, I am uploading it to a part of my web site that isn’t linked to anything else. Then when the work becomes Public Domain in the coming year, I may link it for public access – probably when/if I complete my book, The Church and the Papacy.

There is a genuine interest in unity conveyed in this book. I hope to complete it some day.

I should say a word about this book. It isn’t an attack on the Catholic Church as the cover might suggest. Far from it. It is a very charitable attempt at offering some corrections to ecclesiology gone awry that may lead to unity among the historic churches, including those many consider heterodox.

Curriculum Vitae

I haven’t updated my resumé much because I haven’t planned on applying for work anywhere for a few decades. I’m drawing Social Security now. I don’t plan to retire until I’m a centenarian though. I’m still as much of an entrepreneur “wannabe” as ever and I come with a background that deserves some explanation. So, I’ll offer a curriculum vitae, blended in with some explanatory detail, to help you make sense of it.

Before I start, I don’t want it to look like I’m too good to work a regular day job. I actually love hard work. The last three jobs I had were for trucking companies. I took a two year hiatus from obligations at home after my sister and brother died, and saw the country for the first time – from an eighteen wheeler. I got caught up on my bills at that time and had a good cry. I’ve had many jobs throughout my lifetime.

James Carvin
James Carvin, over 25,000 five star rides.

You may know that my wife, Lisa, stayed home while I was trucking. Thirteen years into our thirty plus years of marriage, she had a stroke that left her paralyzed in her left side. As her caregiver through the years, it wasn’t easy leaving home six weeks at a time, but my business plans weren’t working out and Uber and Lyft were wearing out my vehicles. I’d been seeking funding to get some apps I’d designed built -Vois Technologies. I was unable to pay the developers without funds. I was unable to obtain funds without developers. Click here to see the many Vois projects I have in store down the road.

I’ve pivoted a lot in my life. The “Ghost Machine” is an example of one of the projects I worked to get off the ground. Those were the years from 1998 through 2013. In the case of the Ghost Machine, I had some of my own money to begin it with at the turn of the Millennium, and again by 2013 but again, the project was never funded – not by any third party. Just me. And that wasn’t enough. Click here to read about the decades I spent working on the Ghost Machine and learn what it was.

As much as I’ve wanted to be an entrepreneur all my days, I’ve had a few strikes against me. My education was in the wrong field. I didn’t have money. I didn’t have a team of helpers. I learned things the hard way, mostly as an adult. I had advantages when I was very young. My father was a wealthy business man. I was white. I was a man. I had privileges. My father encouraged me to be a musician and I graduated from the University of South Carolina with a music composition degree in 1980. That was right when he started to lose his money.

If Dad had lived longer and not gone bankrupt, he would have likely invested in my music studio. I wouldn’t have had to pay for and operate it by myself. I worked in banking a few years and then took a job at the Postal Service and invested in music and recording equipment with what I could save or get on credit. Dad encouraged me to become a Catholic priest. I enrolled at St. Vincent de Paul Seminary 1982-1986. He wanted me to write some beautiful new church music. I was up for that. But I had no orchestra to play it and no venue to earn from it, nor did the thought occur to me to profit from religion. So I led worship in some churches and groups for a while and that was about it. No major recordings ever came from my little back door studio, called Wisdom Studios. I thought maybe when I finally did retire, I could put some time into music again. I set my mind on retirement at a very young age for that reason.

I was serious about religion, enough to forge my own path. My mother wanted me to be Presbyterian, like her. My dad wanted me to be Catholic, like him. A girlfriend I had wanted me to be Hindu, like her. I read a lot about each. I learned to meditate, and then I learned to pray the Catholic way. And when I met another gal I liked, she taught me to be charismatic, like her. Then when I finally did get married in 1990, my wife wanted me to be Pentecostal, like her. I just kept reading, and wherever people seemed to be right, I grew. From 1991-1995 I completed my Masters degree at St. Michael Academy of Eschatology. Their accreditation was with something like the Kentucky School of Accreditation. It was an Orthodox Seminary in a controversial jurisdiction, led by a controversial bishop. Not many people have Masters degrees in eschatology, for whatever that’s worth. Neither do they have mission letters from bishops commanding them to preach the message of Elijah to Protestants.

How did that happen? I was very open-minded about Biblical interpretation. I asked questions and rarely condemned the other side in any setting. Perhaps I seemed too Protestant for my Orthodox bishop to consider me for a mission within Orthodoxy. If I had supported one institutional view or another, I might be able to use that degree to get a regular job. I was open to Biblical criticism. I was the kind of person that might give Bart Erhman and the documentary hypothesis a chance. The only place something like that would serve is in liberal academia. I also loved and taught first through third century Christian history as an adjunct professor at the seminary.

Whatever, the right interpretation of the Bible may be, or of other Scriptures, I had developed through the years a different approach to theology, which I came to call “Pamalogy.” Pamalogy is more of a philosophical system than a religion. It is based on logic, rather than text or tradition. Pamalogy is not to be confused with “Palmology” – which is the reading of palms. It has nothing to do with that. Pamalogy is the philosophy of awesomeness, or “awesomeology.” What would it mean to maximize awesomeness?

This is not a treatise on Pamalogy. I’ll simply say here that there are two sides to that question. On the one hand, it means doing the best we can with what we know we have. For instance, it would be good to have a world full of art, free of suffering, made sustainable for abundance, enjoyable, full of love, respect and justice and so on. On the other hand, it means something beyond what we do. It is the best of all possibilities. That type of maximized awesomeness is a God-sized aweseomeness. It is divine perfection. For perfection in the divine sense to be real, no good possibility can be lacking. No bad possibility can be part of it. It requires as many Universes as that takes – a multiverse. Nothing in reality adds to maximized awesomeness that maximized awesomeness does not possess of itself already. God contains a Multiverse.

James Carvin wearing a Pamalogy top hat surrounded by lanterns and moonlight.
James Carvin wearing a Pamalogist’s Thinking Cap

An astronomy is a Universe. A “Poly Astronomy” is a Multiverse. Pamalogy is short for “Poly Astronomically Maximized Awesomeology.” For awesomeness to be maximized in divine perfection, it has to be poly astronomical. Otherwise, every good possibility will not exist within it. Note that I did not say astrological. I said astronomical. Pamalogy is not astrology. Pamalogy is not palm reading. Neither one. It is the philosophy of awesomeness. It believes that for awesomeness to be maximized, in the divine sense, it has to be poly astronomical. Pamalogy is poly astronomically maximized awesomeology.

There are a lot of people who think that perfection is possible without a Multiverse. A Pamalogist thinks a Multiverse is a necessary truth, though a multi-dimensional Universe might amount to the same thing. I won’t explain what logic brings us to that conclusion right here. Suffice it to say for now that given the fact that I had developed a philosophical system, I put some thought into what I should do about it. To be realistic, who cares about philosophy nowadays? I risk losing a reader’s attention just telling you about it.

But there was something I discovered. I found Poly Astronomically Maximized Awesomeness to be much more than a thought exercise. It was a source of encouragement to live by and dwell on. It oriented my worship. It helped me confront my challenges. It helped me cope when considering loss. It gave me a sense of what I was and why I was here. And finally, after thinking on it at great length, it gave me a vision for the Pamalogy Society.

I have to keep this brief. The two sides of what it means to maximize awesomeness I call the metaphysical and the axiological. People tend to be set in their ways when it comes to metaphysics. They have their religion. They don’t care to hear the opinions of others. Maybe a few do. That’s all. That’s why providing details about Pamalogy as theology is a low priority. For now, my focus is on the axiological side. “Axiology” is the philosophy of what is worth doing or having. “Axios” is the Greek word for “worthy.” Philosophers break axiology down into ethics (what is right or wrong) and aesthetics (what is beautiful).

To maximize awesomeness in the sphere of axiology is to seek to maximize beauty and goodness in the world. How would anyone go about that? Well, I don’t know how you would answer that question, but I can tell you a bit more about my own journey and what I want to do in founding the Pamalogy Society but before I do, I need to take a step back.

In 1981, I took a job as a Savings Counselor at a savings bank. Musicians were supposed to be good at math and I was. But it was precisely because I was good at math, and because I was a creative person, that instead of appreciating the bank, I quickly realized it epitomized a certain inefficiency we have in our present economic system. We spend a great deal of time exchanging pieces of paper and altering balances in accounts, but none of that work at counting what we have and moving our accounts from place to place or instrument to instrument produces any direct value. It creates no music. It produces no album. You can’t eat it. You can’t drive it. You can’t wear it. It doesn’t give you a massage. It doesn’t build a house you can sleep in. It doesn’t deliver your groceries. All those things, including being served a quick burger and fries, would be direct products or services. Nothing at the bank is that.

Now you may be saying that the widgets and services you can buy with your money are a good thing to have more of, and that is true. If you can increase your money, then you can buy more of that stuff. But the money itself is not a direct value. There were ten people working at the branch office of the bank I spent forty hours a week working in. Combined, that was 400 hours of human work wasted every week, not creating any direct service or product. I then took an inventory of various types of businesses, counted their employees, separated types of jobs that did produce direct products or services from those that don’t, and estimated that less than 30% of workers in America directly produce any actual goods or services.

Well, this was interesting. My father was not only Catholic, he was a Ronald Reagan supporting conservative. He and I had some differences of opinion about all of this. I estimated that if there was no such thing called money, or anything else to exchange, if we simply gave our time to producing goods and services directly, we could increase our productivity by 230%. We could give everything away to whomever had need for free. We also wouldn’t have to worry about the federal deficit, because there would be no such thing as money. And we wouldn’t need banks. We could just cancel all debts.

Dad equated my idea with Communism. Dad’s world was very different than mine. The cold war was still going strong. Soviet expansionism seemed like a real threat. Dreams of a society without any form of currency or exchange always turned into tragedy. Property owners were violently overthrown. Socialist countries never enjoyed abundance.

Dad supported Ronald Reagan in 1976 and was instrumental in raising funds from Palm Beachers in 1980.
My father supporting Ronald Reagan in 1980.

I was never a Marxist. Apparently, Marx looked forward to the end of belief in God. Apparently, Russian and Chinese Communists thought that belief in God was a form of insanity. Marx had ruined my idea with a philosophy of revolution that called on the working class to hate the owner class. I couldn’t see, at that time, how we could peacefully transition to a money-free society the way the Soviets and their proteges were doing it. Dad also made the point that people need incentives to work, or they won’t. I wondered whether that might be offset by the 230% increase in productivity that would result, but the deal-breaker for me was the violence of Communist revolution. I wanted no part in it.

Then there was the bureaucracy. How do you determine what the people need? And the paper. We didn’t have computers to manage this back then. How would we manage it? Those were the days before the Internet. But when the Internet did come around, another idea formed in my head. It solved all of these problems. I called it the Human Availability and Needs Database System (HANDS).

Flow Chart for Privilege Building
How to build privilege with the HAND System in order to obtain property, goods and services. There is an elaborate system of checks and balances assuring a flourishing system.

The HANDS community members would join a web site. Then they would vote on what types of jobs that produce direct goods and services. Their vote would determine what was the most vital and in demand. They would just tell the system what they needed and what jobs they were capable of doing. The incentive to work at jobs that were in high demand would come from the desire for privileges – comparative luxuries. The members would consider types of products and services that might be considered luxuries and vote on what level of privilege should be required to have access to them. For instance, it would be a luxury to live in a rare property on the ocean. It would be a luxury to have three cars for a family of two. It would be a luxury to go to a fine restaurant every night. Luxuries are scaled from 1-100 by voters this way. Things that were hard to produce or limited in quantity, would be obtainable only to those who did work that was vital and in high demand. Together, the HANDS community would decide upon and create a many tiered system of privileges that could be earned by choosing specific types of work that produced direct goods or services. It might be considered an equal opportunity multi-class system.

It would all remain theoretical until the day came that there were enough members in the community to support an actual resource-based economy, where they could contribute their own means of production and resources and then they would sign an agreement of commitment to launch it on a certain date. The computer network and algorithms would eliminate the bureaucracy. Rights and privileges would be earned as determined by the people. Money would no longer be an object of stress for the many in lack. Resources would be managed sustainably.

Okay. So, who cares? Why, in sketching a Curriculum Vitae, am I telling you all this? Well, I think it is important for people who might consider doing business with me to know who I am. I might hold some conservative views but I’m not a libertarian. Just as my religious perspectives are unique to me, so are my economic and political ideas. Ready for the next item on my resumé? I ran for president of the United States in 2016 as a write-in candidate.

The Restoration Party Mascot

I didn’t get on the ballot, so none of the votes for me were officially counted, but I wasn’t trying to win. I was trying to bring attention to the Manifesto I wrote for a new political party, the Restoration Party, and I achieved that objective. I was featured in the Tallahassee Democrat as the Uber driver running for POTUS. I estimate I got about 200 votes from people fed up with the Democrat and Republican parties both getting us into endless wars, not getting the budget under control, and not dealing with a very dirty bureaucracy that was serving itself, and not we, the people. Donald Trump seems to have agreed with many of my ideas about political corruption and media corruption. He took a ride on the same massive populist movement that I sensed existed, but obviously, he is no supporter of a money-free economic system, like me. He might call that socialism.

Subsequently, a lot happened. Trump was accused of having ties to Russia. He was accused of being a racist. His supporters were accused of being white supremacists. These were interesting accusations. I noticed how politically charged the news had become. It was very emotional. People weren’t being reasonable. BLM and Antifa rose up. Fact-checkers started telling us what to think on Facebook. Twitter, YouTube and Google suppressed opinion that they opposed, claiming it was for public safety. Finally, Trump supporters insisted that the 2020 election was stolen while predictable media outlets insisted there was absolutely no truth to those kinds of allegations, culminating in the events of January 6th, 2021.

I began by asking about maximizing awesomeness. In the real world, we are dealing with a sick political system, one that needs to be repaired. If we are going to suppress news because it doesn’t square with fact-checks, what have we done to fact-check the fact-checkers to be sure that the fact-check organizations are not merely serving political agendas? What is to stop the Poynter Institute from corruption and government influence? Many of the fact-checks concern elections. If a majority of the American population has lost faith in the news, in fact-checking, and in electronic voting systems, then I am likely to see the very type of violence in the 2020s that I wanted to avoid in the 1980s. Violence is not awesome. The restoration of truth and trust – that would be awesome. A restoration to better journalism – that would be awesome.

For this reason, I think the first endeavor the Pamalogy Society should support is a fair way to fact-check, fact-checks. I’ve invented a platform for this called the CounterChecker and I’m seeking funding for it at this time. But to avoid the old problem of not having funds to develop my invention, this time I’m taking a different approach. This time, I will seek grants and donations from individuals, corporations and foundations to the Pamalogy Society for the development of the CounterChecker, as an incubator. The Pamalogy Society will continue to raise funds for worthy projects and its first target is the world of journalism.

Diagram of HAND System
The CounterChecker will serve as a plugin widget for numerous News Sources

There’s some method to all of this in terms of the maximization of awesomeness. Better journalism means the creation of platforms of communication for the Pamalogy Society itself as a founding sponsor. Founder level privileges on media platforms will serve to help future projects that the Pamalogy Society supports. I believe this method of raising funds and creating platforms of communication will be a good mix. I expect the Pamalogy Society to have its 501(c)(3) status very soon.

I am doing this while finishing up yet another degree. I’ve been attending Arizona State University and should have my degree in Interdisciplinary Studies, with concentrations in Organizational Leadership and Philosophy by December 2022, at the current pace. Last semester, I had my professor review the business plan I’d written for the CounterChecker for a directed study course for credit. I would love to Zoom with interested parties as I begin this endeavor, to share what I’m having the developers create. I’m looking for a diverse board of directors. I don’t want political agreement on the board.

Personally, some think I’m far to the left. Others think, because I’ve defended Donald Trump on some issues, that I’m far to the right. My personal political perspectives are as wide as the ocean, but that is irrelevant.

One of the unique features of the CounterChecker is that it will depend on disagreement to make it work. I may have had disagreements with my father growing up, but much of what he said was highly valuable to me and stays with me to this day. We need to surround ourselves with people who have very different views than our own. The CounterChecker itself works by posing ideologically different teams against one another. There’s no better critic than someone who is literally debating you. These will be deliberately oppositional teams of about ten to twelve countercheckers each – one team on the left and another on the right – fact-checking one another’s fact-checks and counter-checks. It will achieve a level of depth and comprehensiveness that fact-checking does not currently provide. It will restore trust in fact-checking as a whole through its thoroughly dialectical approach. I consider it vital to fixing a presently very broken system.


In this section, you will find out about my philosophical thinking. I will start with a summary of my academic history.

Academic Background

In 1980, I graduated with a degree in music composition from the University of South Carolina. Composition, invention, creativity, innovation and discipline are what I was trained in. Expect new ideas to mix with old ones in my philosophical views.

From 1982-1986, I studied theology part time at St. Vincent de Paul Regional Seminary in Boynton Beach, Florida. I learned a lot about what Catholics think. I considered the priesthood during that time, but in the end, I chose not to be Roman Catholic.

From 1991-1995, I studied theology at St. Michael Academy of Eschatology in West Palm Beach, where I received a Masters Degree in Christian Theology. The school has an untraditional accreditation, which is not accepted in many places. I was an adjunct professor there while earning my degree and in college in 2008 I was a Business Administrator and built the majority of their present web site and online curriculum.

The jurisdiction is controversial with the Orthodox Church. Expect me to have some familiarity with Orthodox politics and Church history as an insider, but please do not judge me by association. I was a helpful guy learning what I could. Eschatology is the study of the last things, including the return of Jesus as Lord. It is a subject I have considered more deeply than most.

Some might not consider me to be an Orthodox Christian despite having received the rite of chrismation at St. Mary’s Antiochian Orthodox Church in 1996. Whether the Church would consider me a heretic should have more to do with how they might view my philosophical system than any association I may have had with the Metropolitan Xaralambos, who as far as I know, still believes himself to be one of the two last days witnesses the Bible describes. For the record, I did not hold that he was. I will simply state here that I understand Orthodox eschatology and not many do.

In 2019, I enrolled as a student of Interdisciplinary Studies at Arizona State University, with concentrations in Organizational Leadership and Philosophy. I expect to earn my degree there by 2022. There are many reasons I chose to go back to school. Among them, I wanted to start a Philosophical Society that would serve to discuss my philosohical system, which I call Pamalogy.


Pamalogy is short for “Poly Astronomically Maximized Awesomeology.” It has a metaphysical side and an axiological side. I should start with the axiological side. How does one maximize their awesomeness? What does it mean to maximize your awesomeness? The word, “axiology” comes from the Greek word “axios,” which means worthy. What is worthy? Awesomeness and worthiness might be considered synonyms. Generally, there categories of axiology – ethics and aesthetics. Aesthetics might ask what is beautiful. Ethics might ask what is good or bad.

One thing I think is awesome is practicing what we preach. I much prefer action to talk. Sure, I’ll leave some writing, but rather than trying to talk philosophy with anyone, my goal is to start a Pamalogy Center, where all sorts of worthy projects might be realized. A Pamalogy Center is an arts and tech guild. It would feature a music and video recording studio, co-working spaces, sound proof practice rooms, instrument and equipment rentals, art displays, an informal theater and a relaxing bar and lounge for members. It would focus on collaborative projects and royalty and equity sharing for lean start ups. It would encourage members to contribute to other member’s work to improve their own member status. Member status earns members the right to ask for more help from other members. Artists and inventors would see it as an incubator for their projects.

Pamalogy Discernment Chart
Pamalogy Discernment Chart

The metaphysical side of Pamalogy asks what maximized awesomeness would be in an absolute sense. It would suppose that no one can conceive of it. It is that than which there could be nothing better. It would compare maximized awesomeness to the concept of infinity. No one can count to infinity, yet we do understand the concept to mean that any number we can think of is always less than infinity. Maximized Awesomeness is like that. There is something greater and that thing does not exclude the goodness one might positively conceive of.

Pamalogical metaphysics would ask whether this abstract Maximized Awesomeness concept is part of reality. Does it exist? If so, why is life not always awesome to us? Why do bad things happen? Also, is it possible for Maximized Awesomeness to exist in just one Universe? I think the answer to that question is no. I think that for every good thing to be real, there must be many Universes – not just one. That is why I call it, “Poly Astronomical.” If Maximized Awesomeness is real, there are many astronomies, not just one.

New Words

Every now and then I’ll make up a word and start using it. Pamalogy is one such word. I have a reason for coining certain terms related to philosophy or theology. Usually, it has to do with the fact that there is no other single word I know of to describe something. It may have to do with wanting to be specific or to distinguish one idea from another similar idea. If I introduce a word that I’ve made up, I’ll spend some time defining it so we can both understand what that word means and start using it together. Afterwards, maybe it will become part of the English language. That would be cool but the vanity behind coining a term is not what drives me. It’s about precision.

Here you will find a menu list that will lead to some of my philosophy articles and web properties. This menu will use some of those new words. So, right here, I’ll explain their meaning up front and alphabetically.

Asynalagonomy – from the Greek root, συναλαγων (trade). The prefix “a” means not. “Nomy” means law. I’m using it here in the same way you would use it in the word “economy. ” Together it refers to an economic system, or set of laws, without trade – a tradeless economy. In general, a tradeless economy would fail. If anyone in such an economy were to own property, they would not be permitted to sell it or trade it. This would make it impossible to possess anything for any reason other than personal consumption. An economy would be frozen. No one could have a business. No one could work for money. Money itself is an exchange. A true asynalagonomy does not have money, or any other form of exchange. Fortunately, no such thing exists.

An incentivized asynalagonomy is something quite different. As a rule, there would be no trade but there would be incentives to work as determined by a system that managed the incentives. In such a system, workers earn privileges. Then in order to obtain goods and services they exercise the privileges they’ve earned. They don’t trade those privileges. They can only earn them, or fail to earn them, and thus lose them. A system of incentives can keep an economy moving because workers have reason to produce goods and services, which can then be consumed by those with sufficient privilege to them. I will have much to say about incentivized asynalagonomies because pamalonomies are a type of incentivized asynalagonomy. See pamalonomy.

Cosmostrophy – the way that a person reconciles their faith with their metaphysical view of the Universe – what it is, how it was formed, how old it is, ideas about time, matter and energy, whether there is a multiverse, whether there is a creator, etc. Each person has a cosmostrophy no matter what their religion. It is a general term like the word “metaphysics.” The suffix, “strophy” indicates harmony or pattern. How do you harmonize your faith with science?

Foundationism – Sometimes I think I’ve coined a term but actually haven’t. When I made up this word, I was unaware it was associated with Reneé Descartes. Like Descartes, I believe that derivative forms of certainty can be obtained by basing beliefs on what we already know we may be certain of. Unlike Descartes, I think there can be more known with certainty than the statement, “I think, therefore I am.” I don’t reject math or logic, for instance. Descartes supposed that an evil demon might be deceiving him even about math and logic. I don’t make that assumption. In fact, the entirety Pamalogical metaphysics is foundationist. When I first used the term, I had never studied epistemology. I was a theology student looking for a word to contrast with fundamentalism. I was referring to theology and eschatology that was logical. For instance, it is logical that if God is perfect, that there is no good thing that can be added to God that God does not already possess in either divine being or divine action. As such, God does not ever change. I don’t have to find the Bible verse that supports that idea. It stems from what Perfection means in the absolute sense often attributed to God. Therefore, it is a foundational principle that if God is perfect, God does not change.

Pamalogy – Poly Astronomically Maximized Awesomeology. See above.

Pamalonomy – a hybrid between socio-capitalism and incentivized asynalagonomy. It is a way of experimenting with incentivized asynalagonomies on a small scale within a broader socio-capitalist framework. A guild concept might be an example. In general, the guild does not own its creations. It fosters and helps manage them as an incubator. The members enjoy their own profits but work collaboratively to overcome the cost of starting enterprises without shared resources and talent.

Stromagesis – a method of interpretation that considers multiple perspectives without holding one perspective to be invalid when another seems to be valid. It holds that even if viewpoints may seem to be in conflict, both viewpoints may be true. The prefix is from the Greek στρομα, which means layer. Stromagesis can be compared to the more commonly known words, exegesis and eisegesis. Exegesis holds the intended meaning of the author to be a valid interpretation. Eisegesis refers to the interpretation of the hearer or reader. It is often thought to be invalid if it does not account for the intended meaning of the writer or speaker.

Theogesis – refers to God’s intended meaning and purpose. I hold that this is more valid than exegesis and may incude stromagesis. See above. Notice that I have not referred to “Biblical” interpretation here, but to interpretation in general. You may be an epistle. How shall I interpret you? How does God interpret you?

Inaugural Outlook

Time is ticking and it's time for a reality check.So this is the big week. This is the week that we decide whether we will have freedom, or we will be enslaved by the Chinese Communist Party.

To me it looks like the Chinese government is in control of just about the whole world at this point. I could be over-estimating. I’m not with CIA. But I do wonder who is. I think a very fair question for anyone to ask is: who is the CIA working for? Who does anyone in any three letter agency work for?

The American people have mixed views. Some say the CIA is enmeshed in a web of international pressure (to put it euphemistically). Collectively, we call them the “deep state.” Are they good cops or bad cops? Is a global mafia taking control of the mightiest army in the world? What bad person wouldn’t want to? What biggest baddest person wouldn’t be most familiar with the dark side and learn to control it? Isn’t the CIA the mob’s first and most important target?

Intelligence is a many splendored thing. Pressures, motivators, goals. What are the goals? Whose goals? Those of the president? Those of the American people? Who are they working for? It’s too easy to say they work for us. The only way to unravel the mystery is to dig in. We’d have to find out who profits by controlling them. Well, if you had a long standing crime syndicate, you would certainly profit by controlling both intelligence and the military.

So expect drugs, expect human trafficking, expect black market armaments to start the next school massacre, street gangs and wars. I don’t know who is in charge of the mob, but selling slavery, misery and death is very lucrative to them. We all have access to the stats. There’s a there there. If you’ve seen it already, then how do you think it happens if the deep state is so clean? It’s not clean.

Collectively, we call it “the swamp.” The agencies, the politicians, the big businesses profiting from it – they are anything but clean. It’s a gooey cobweb of blackmail, extortion, calumny, threats, abuses and suffering just waiting for a RICO trial.

And now control of the house, control of the senate, possible control of the judiciary are all there to make justice go away. Or do you suppose that it will finally come upon us, that it has been a long time waiting? Sam Cook is my man!

What’s the answer to that? As 2021 is on us, just ask yourself, who has been protecting whom? Who has been attacking whom? Democrats have thought themselves savvy for forwarding memes that count the number of arrests of Trump team versus previous presidents. Saint Obama has a scandal free eight years, you know.

Really? Well if that’s true, then either we have justice, or we don’t. Do we? Let’s consider quality versus quantity. But that’s for people who actually do research to do. As I consider our future, my anticipation of 2021 starts with seeing this power grab going on. It’s nothing simple. I sure can’t keep up with it.

Good grief, there’s only one reason I get involved with politics. I’m concerned – very deeply concerned. It’s not just the mob. It’s the mob boss. Who is the boss?

Well, what are the qualifications of a boss? If it’s the mob, it’s got to be the toughest, most ruthless, most well-respected candidate. You have to earn it Machiavelli style. Am I wrong? So who would that be? Who has proven they can be a boss of that magnitude? Donald Trump, you say? No. He just got swamped. Didn’t he?

It’s somebody else. Is it Biden? You know better. Biden made deals. Let me understate something: He did not have the upper hand. He is not the one in control of any deal. For Joe, he’s just trying to survive and protect his family. The presidency has its advantages.

Joe can even leave a legacy. Full control of the house and senate. A justice department that can be stacked if necessary, but already cooperative. Good for him.

There’s only one hitch. He’ll have to sell out the American people, us, while he appeases the deal makers who took this by force, not that he can’t sell at least some of us on the idea that we are getting what we want. It’s not like there won’t be a trickle down effect. You’ll still get stuff from time to time. You just won’t be the priority. That goes to the deal makers. They’re the bosses.

Again, what deal makers? Who is the head of this?

Well who’s most in power? Is it the people with the most money? Or is it the people with the most political control? If it’s the latter, then just hunt down the largest dictatorship you can find – the one with the biggest army and clearest government control. That’s the one who’s in control. Now that’s a boss. It isn’t the money. It’s the army.

Hmmmm. Thinnnnnnk.

If you said Russia, then you must watch CNN. I feel sorry for you. Google the answers. I’m not here to repeat what anyone can easily check out. The Chinese Communist Party is clearly the head boss in the world at this time, not Russia. The Chinese economy is expected to exceed America’s by 2030. A few more rounds of pandemic and it may even happen faster.

But it’s worse. They already have more power than us. Money, even money with armies, doesn’t buy us love. America is divided. Half of us think Joe Biden cheated to win. One friend compared Biden’s victory to Scar, from the Lion King. The hyenas now rule.

If CNN can be believed, 81% of Trump supporters still think he won despite all the “independent” fact checks and account suspensions you and they may have read. Time could tell who really won if the evidence wasn’t so quickly deleted and held away from transparency and accountability. To those 81% you will now never be able to convince, any way to double check the results seems to have disappeared. Accountability vanished along with 27 Mueller investigation phones, dozens of bleach bitted Blackberries, tens of thousands of emails, and the Seth Rich files. But all the indictments are on the Trump side. Justice has been pissed on once again.

Such transparency we have. And this is somehow going to heal the nation?

No. The Chinese have much more than us in terms of soon owning us, if they don’t already. They have n0 such division in their party. The Republican Party is perhaps permanently divided now. A third political party comprised of Trump supporters who feel Republicans betrayed them and sold out to the swamp, are angrier than they ever have been. How could they not be?

What fools these Anti-Trump Republicans are to think they’ll ever get elected again! They’ll lose their primaries. Well financed Democrats will easily defeat a house divided. I think it is safe to say that the Chinese government favored Joe Biden in the election and may have helped him directly. Research that too. There is no problem for their interests if the Democrats should be in power for the next generation. And it doesn’t matter. Any inquiry on Biden that would mirror Trump’s Russia collusion will be knocked down by a house and senate majority. Joe is unimpeachable.

Some say the Democrats are split, as well. They have their liberals and moderates doing some infighting, but I don’t think that will amount to anything. No significant third party is in the picture. The Green Party is no more than an annoyance. The radicals can seize power within it but the party isn’t going to split.

At this point, the Democrats will have millions of newly immunified immigrants on their voter rolls, as if they needed them when the competition is severely divided.

So that’s predictable. What I’m waiting for though, is for my African American friends to see something and start something. I shouldn’t have to preface this with a statement of how much my heart bleeds for the people I’ve heard about as I’ve watched the news through the years, and how much I wish I could somehow make things better. But know this. I’ve often wept when I’ve seen and heard about things. I get emotional that way. I didn’t support Trump because I was a racist. I supported Trump because I wanted to drain a swamp. America will never be great if it is run by the mob.

I’m not opposed to reparations. I don’t know how to make things right. But what I want you to know more than anything, is that if you work for a mob boss, you are at their mercy. Legally you may not be their property, but in effect, you just have to do whatever they tell you to do. If you don’t, you’re dead. That’s pretty much ownership. Will you allow me to use the word “slavery” to describe it? I in no way want to diminish the sacred horror and memory of that word. I just want to contrast slavery with freedom. I want you to understand that I abhor slavery and I do not wish to become anyone’s slave.

No matter the color of your skin, together we are confronted with a fact: the worlds largest slave force is the Chinese people. While it may well appear that the many are enjoying American freedoms and ownership as immigrants or visitors, or enjoying prosperity in their country, they only have those freedoms that the Chinese government grants them. They lack freedom there, and to some extent they lack it here. It’s how dictatorships are.

The owner of the grand forthcoming plantation is the Chinese Communist Party. They are the big boss. You must be aware of this. Russia is free in comparison to China. Across the sea, both countries have America, no longer strong, divided, hurting from an economy that just received its pandemic.

But the Chinese are the big boss of all, including the United States. They threaten everyone on the planet. They don’t have full control of it yet. You don’t see what they are doing to their own on the mainland. But they are getting better and better at achieving their ultimate goal, which is complete control over the entire world – worldwide enslavement, though they think of this in positive terms.

The Chinese government already threatens us in many ways. They gather information, they spy, on every citizen. They have accessed our most sensitive data centers. They own the majority of the world’s 5G communications infrastructure. Wherever they build it, they monitor it. Their eyes and ears are now on the whole world. Their AI is on it, learning about every move you make.

Think about that. If they didn’t like you, if they thought you might somehow be a threat to them or get in their way, you’d be the first they’d target to spy on and eliminate. Who would they think was a threat? You? Imagine having the technology to single out top political enemies with a software algorithm that could instantly view you typing or messaging through your phone or computer.

If you’ve been watching porn, they now have a record. Anything you’ve written is found and analyzed in a fraction of a second with the latest AI. In a way, it’s really cool. Too bad it can be used against you. And if they happen to find nothing to nail you with, don’t imagine you’ve escaped; if they want to, they’ll create it. They can and will destroy anyone they want. Owning the Internet and mass communications is essential in that and they can access anything we can access. And we can access just about anything.

Remember when Republicans were all upset that they were being singled out for tax audits under Obama? Wasn’t that a fun time? Expect more audits. Trump supporters will be at the top of the list. Who else is alarmed about the Chinese? Right now, just for being a Trumpster, you have a target on your back. The Chinese government will hide behind an American government it controls to bring you down. They’re teaming up and already working on it.

Let me ask you who voted for Biden: did you feel like Trump was going to work with the Federal agencies to come after you personally and destroy you in any way he could in 2016? Is that how evil you thought he was? Because that is how it feels being a Trump supporter right now. We have been literally threatened by people in power who have said they would be coming after us.

And that’s no good. But what I find far worse is the idea that the Chinese Communist Party is seeking to control them and there is much evidence that in many ways they already do.

I won’t clutter up my 2021 outl0ok with the details. You can read about it all if you do your own research. China has literally eight times the population of the US. The Chinese government does not value life. It tolerates a free economy for the sake of a long term strategy for world domination.

It’s that strategy and the result of it that I want us all to look at. In writing this, I’m writing especially to the Chinese themselves, whether to Chinese Americans, visitors, employees or CCP members. To the CCP, you know you’re winning. You know you have the advantage over the American and global swamp. I don’t have to tell you this. There is something else I want to tell you. I’ll save it for last. Really, this is my letter to you above all. I am going to issue a challenge for our future. First, let me address the others.

To the non-CCP members, and you alone know who you are, wherever you are, I think you are in the majority. I think you don’t want to be enslaved by the CCP. I think you know that, as well. I have a special request. I want to call on you, to reach out to my African American friends, to the Latinos, and to every new immigrant that thinks they should be a Democrat. Warn them about the CCP. Let them know that the final result of their game, their strategy, is to turn this world into one giant slave plantation. This is what the bosses’ bosses, who rule the deep state swamp from a close distance intend to establish.

It’s the bosses’ bosses in full control. This is why Joe Biden accepting $1.5 Billion from the CCP owned Bank of China through Hunter was a serious problem. This is why Google, Twitter and Facebook suppressed the news before the election. No misinformation labels were put on claims that the Hunter Biden laptop story was Russian disinformation. They are obeying their Chinese Communist Party bosses. China needed Biden. Unlike Trump, he does what they ask. And what they are asking for is world domination. They want to be the boss of us and the whole world.

For the most part, these minority groups, the Latins and African Americans who voted for Biden, did not get that news before the election. Dear friends, you were told it was Russian disinformation by the same CIA propagandists that we rely on daily for our news. You chose to believe them because you were told and you believed that Donald Trump was a racist. You were told that his supporters were racists too. I don’t expect to change your mind about that. I just want to warn you about the Chinese Communist Party. Voting for Biden was a trap.

Some figured that even if Joe gets impeached or leaves due to senility, that Harris will make a fine president. I hope you’re right. I’d like to think nice things about her t0o. Unfortunately, I don’t think she’ll be the one in control. I think the Chinese Communist Party will be in control. I think they are already controlling those who got Biden elected. Harris would not be fixing this. She would most probably do their bidding. She probably already has been. God knows what they may have already threatened her with – or promised her.

So that is what I want the non-CCP members who read this to tell Democrats, beginning with my African American friends who voted for Joe Biden. Now let me get back to what I want to say to the CCP and Chairman Xi. This is the main point of this communication. It is about what Communism is and what the Communist goals are.

Letter to Chairman Xi

I know that you want the best for your people and for the world. You do what you do because you believe it will produce the best result. Communism is the hope you have for making this world better for everyone. Consider this a direct address to Chairman Xi Jinping and his successors in the CCP.

Dear Chairman Xi and CCP:

I once had a beautiful thought. I imagined a world in which there was no such thing as exchange. Each person simply worked for the common good and each person received from others who also worked so that each had what they needed. There was no monetary exchange. There was no barter. There was no debt. Anyone dwelling in a home had security. It was theirs to keep no matter what. If they needed food, clothing or anything else, they could pick it up at a market without cost. Their transportation would also be free.

I was working at a bank when I first had this thought. The constant exchange of money all day long day after day seemed like an enormous inefficiency. Money is an indirect good but the entirety of my time was being consumed by it. I was producing nothing tangible at the bank. This made me realize that I was doing nothing to improve the world.

While I was working there, I considered how many other workers like me produced no direct goods. We didn’t deliver anything. We made nothing. It occurred to me that I could measure this approximately just by counting how much office space there was in any city. People don’t make things in most offices. Things were made in factories. Things were served by those who distribute. The ratio of factory space and truck space and restaurants and entertainment venues to office space was a fair measure of the efficiency of an economy in terms of indirect to direct benefit.

I estimated that approximately 95% of American jobs produced no direct good. They were entirely comprised of indirect good by exchanging money, recording it, protecting it, leveraging it, or stimulating it through advertising, or accounting for it. My point is that if there was a system that eliminated the jobs that serviced only indirect goods, that those workers could be repurposed to jobs that produced direct goods. The result would be up to 2000% higher production of direct goods.

For this reason, I have been far more attracted to Communism than most other Americans, and certainly most other Trump supporters. However, there seemed to be drawbacks to both Communism and Capitalism. Capitalism may have been inefficient in terms of producing direct goods, but it managed supply and demand, it induced creativity, it kept people working and overall, particularly in America, in many ways it was working and seemed to be producing a level of abundance that no Communist country has been able to keep up with.

For many Americans, as you are aware, this has served as proof that Communism doesn’t work. I won’t try to assess the truth of this here. I will simply point out that where there is pure Communism, it is often difficult to motivate people to work. At the least there is a challenge. If all receive benefits without cost, then what will motivate them to work? Even with a 2000% more efficient system for producing direct goods and services, the problem of motivation is challenging. All a government can do is make threats. Fear is the motivator. Perhaps some intrinsic satisfaction in knowing we’ve done a good job, but not in enough workers.

No, it seems that Capitalism has been producing the majority of Chinese abundance, rather than Communism. We don’t have figures for this but no matter how you measure it, there is something to be learned. Namely, work dramatically increases for the production of direct goods and services when there are incentives to do so.

This said, I implore you to consider an alternative economic system. It would not have the raging injustices inherent in Capitalism. But it would provide the one advantage Capitalism has -sufficient motivators to inspire people to work. They are, in fact, pleasant motivators, rather than fear, like that of a slave fearing his or her master.

Dear Chairman, in this letter I am going to assume that the CCP will eventually gain complete control over the entire world. Clearly, you are succeeding. At that time, you will be able to hurt us, or bless us. No one will be able to stop you from killing us if you choose. I am asking that you consider implementing an incentivized economy so that you do not create a worldwide slave plantation or feel the need to destroy us, which you surely could do with impunity.

The incentivized economy I am speaking of begins with the elimination of all exchange. Each person has access to a central database. Using this database, they can find jobs to do. Using this database, they can request things that they need. I have spelled this out carefully in the “asynalagonomy” link on the menu at the top of this page. I have developed an elaborate system. It provides accountability, quality control, and checks and balances to keep people working at top efficiency.

Using this system, citizens will enjoy property rights. They will live right where they already are. No one can take their homes from them. All will have access to healthcare without cost. All will receive education without cost. There is no cost because there is no monetary system. Each citizen earns privileges based on the type and quality of work they do according to the needs expressed by all through the database.

Those who do excellent work, will be evaluated by quality control managers. Quality control managers are evaluated by others so that all report fairly. A formula of quality and type of work based on demand as reported by citizens to the database, then determines what level of privileges the citizen will have earned.

The result will be zero unemployment and no cost for anything. Limited resources and renewable resources are subject to control by Resource Managers, who also are held accountable by auditors. Incentives to reduce family size and other social concerns are largely determined by the vote of the citizens themselves as they express their needs in the database. An increase in privileges for males who voluntarily get vasectomies is the most humane way to keep population under control. Mandatory abortion is considered a violation of human rights.

Most Trump supporters are Libertarians. They will laugh at these suggestions. They will dismiss the value of this letter. I am writing to solve a problem. I do not want the world to be one giant slave plantation. I see that you are poised to control it. The decision does not belong to any Trump supporters. It does not belong to the Democratic Party. It belongs to you. You are poised to exercise your control over the swamp – that network in the world that is pressured by your intimate knowledge of its weaknesses, by blackmail, by extortion, by espionage. You know it. I know it. This letter is to you.

I don’t know why Karl Marx was so obsessed with the dynamic between the ownership class and workers. Capitalist industry does create that dynamic but it is not necessary to concern ourselves with it. Capitalism will die on the day that the global economy crashes. The gap between rich and poor will call for a total reset and the CCP will seize control at that time to implement a new economic system. It will seize the European and American military through the controls it has gained over their figureheads to harm or benefit them.

Those with alternate currencies at that time will try to survive but with the majority of the world in destitute poverty, their ownership will be meaningless. The great reset will entail a conversion by these same masses to this incentivized system. Or will it be to a global plantation?

Chairman Xi and CCP, this is up to you what it will be. Either you will make everyone miserable, by letting anarchy sort itself out with endless revolutions that never achieve a utopia, or you will implement a system that achieves maximum efficiency, one that uses positive incentives instead of fear and slavery.

This is up to you. It is my work to present you with a better alternative – one with none of the drawbacks but all of the benefits and ideals. Find out more by reading about incentivized asynalagonomy. It is in the menu link. Thank you for hearing me out.